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	<title>Bankruptcy Law Network &#187; Karen Oakes, Southern Oregon Bankruptcy Attorney</title>
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		<title>Oregon&#8217;s &#8220;Means Test&#8221; Median Income Figures Change November 1, 2009</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/26/oregons-means-test-median-income-figures-change-november-1-2009/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/26/oregons-means-test-median-income-figures-change-november-1-2009/#comments</comments>
		<pubDate>Tue, 27 Oct 2009 01:58:03 +0000</pubDate>
		<dc:creator>Karen Oakes, Southern Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Practice and Procedure]]></category>
		<category><![CDATA[Means Testing]]></category>

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		<description><![CDATA[Oregon residents will be affected by the new means test/median income numbers announced by the United States Trustee Program Department of Justice.  The numbers are adjusted periodically by the U.S. Trustee Program and generally have a negative impact on those wishing to file a Chapter 7 bankruptcy. ]]></description>
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		<title>Help!!  I Got Sued For My Spouse&#039;s Medical Debt!  Can They Do That?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/26/help-i-got-sued-for-my-spouses-medical-debt-can-they-do-that/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/26/help-i-got-sued-for-my-spouses-medical-debt-can-they-do-that/#comments</comments>
		<pubDate>Tue, 27 Oct 2009 01:49:45 +0000</pubDate>
		<dc:creator>Karen Oakes, Southern Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Family Debt Problems]]></category>
		<category><![CDATA[Medical Bills]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=423</guid>
		<description><![CDATA[Many spouses are sued by debt collectors or medical providers for debts owed by another person--their spouse.   The doctrine of "necessaries" allows the lawsuit to be filed against the spouse or parent of the treated person.]]></description>
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		<title>Better Business Bureau and Identity Theft Prevention&#8211;Not Just An Agency To Call To Complain</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/26/better-business-bureau-and-identity-theft-prevention-not-just-an-agency-to-call-to-complain/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/26/better-business-bureau-and-identity-theft-prevention-not-just-an-agency-to-call-to-complain/#comments</comments>
		<pubDate>Tue, 27 Oct 2009 01:08:19 +0000</pubDate>
		<dc:creator>Karen Oakes, Southern Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=368</guid>
		<description><![CDATA[The Better Business Bureau is evolving into a consumer education and identity theft protection educational agency.   Last week, the BBB joined with the National Foundation of Credit Counseling to educate the American public on prevention of identity theft.]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/10/26/better-business-bureau-and-identity-theft-prevention-not-just-an-agency-to-call-to-complain/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Tips and Traps:  Hidden Costs of Banking (in Oregon) Reported by Public Interest Law Group</title>
		<link>http://www.bankruptcylawnetwork.com/2009/10/19/tips-and-traps-hidden-costs-of-banking-in-oregon-reported-by-public-interest-law-group/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/10/19/tips-and-traps-hidden-costs-of-banking-in-oregon-reported-by-public-interest-law-group/#comments</comments>
		<pubDate>Mon, 19 Oct 2009 18:17:01 +0000</pubDate>
		<dc:creator>Karen Oakes, Southern Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=364</guid>
		<description><![CDATA[The Oregon State Public Interest Research Group (OSPIRG) and Jeff Merkley announced the publication of a new report on issues facing consumers in Oregon from Oregon financial institutions.   The report summarizes an analysis of checking accounts and found that financial institutions were charging fees without disclosing the potential for those fees to the consumer.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What Happens If I Inherit Money After Filing Bankruptcy?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/28/what-happens-if-i-inherit-money-after-filing-bankruptcy/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/28/what-happens-if-i-inherit-money-after-filing-bankruptcy/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 03:44:46 +0000</pubDate>
		<dc:creator>Karen Oakes, Southern Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Exemptions In Bankruptcy]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[General Bankruptcy Information]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9682</guid>
		<description><![CDATA[Debtors filing for bankruptcy protection should be concerned about their right to receive an inheritance within the six months after filing for bankruptcy (if some relative has died before filing bankruptcy or the relative dies within 180 days of the debtor's filing), as the bankruptcy trustee can take that inheritance to pay creditors.  ]]></description>
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		<title>5 Secrets Debt Collectors Do NOT Want You To Know!</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/28/5-secrets-debt-collectors-do-not-want-you-to-know/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/28/5-secrets-debt-collectors-do-not-want-you-to-know/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 00:56:18 +0000</pubDate>
		<dc:creator>Karen Oakes, Southern Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Debt Collection Laws]]></category>
		<category><![CDATA[Debt Collector Abuse]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt collection abuse]]></category>
		<category><![CDATA[employers]]></category>
		<category><![CDATA[garnishments]]></category>

		<guid isPermaLink="false">http://www.debtlawnetwork.com/?p=393</guid>
		<description><![CDATA[Karen Oakes, Southern Oregon consumer protection agency, explains five secrets about a consumer's legal rights that the debt collection industry does not want you to know.  Read the article to learn that you have rights under the Fair Debt Collection  Practices Act.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The New Frontier In Fraud:  Traveler&#039;s  Checks v. Credit Cards</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/27/the-new-frontier-in-fraud-travelers-checks-v-credit-cards/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/27/the-new-frontier-in-fraud-travelers-checks-v-credit-cards/#comments</comments>
		<pubDate>Sun, 27 Sep 2009 23:45:25 +0000</pubDate>
		<dc:creator>Karen Oakes, Southern Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[check fraud]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[scam]]></category>
		<category><![CDATA[traveler's checks]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=352</guid>
		<description><![CDATA[Times have changed in the last ten years.  Traveler check fraud is abundant and as a result, businesses are refusing to accept traveler's checks in the United States.  What does this trend mean for our society that businesses prefer that their customers use plastic as opposed to a classic substitute--the traveler check?]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/09/27/the-new-frontier-in-fraud-travelers-checks-v-credit-cards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>5 Things Your Creditors Don&#8217;t Want You To Know About Bankruptcy!</title>
		<link>http://www.bankruptcylawnetwork.com/2009/09/27/5-things-your-creditors-dont-want-you-to-know-about-bankruptcy/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/09/27/5-things-your-creditors-dont-want-you-to-know-about-bankruptcy/#comments</comments>
		<pubDate>Sun, 27 Sep 2009 15:30:30 +0000</pubDate>
		<dc:creator>Karen Oakes, Southern Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[General Bankruptcy Information]]></category>
		<category><![CDATA[Marriage and Debt]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=9648</guid>
		<description><![CDATA[Your creditors are hoping that the consumer never finds out about the five facts listed in the article posted on Bankruptcy Law Network.   The debt collectors may lie to you about these five facts about bankruptcy, hoping that consumers remain afraid that their employers, bosses, will find out about the bankruptcy filing or that the filing of a bankruptcy will affect a marriage or spouse.  Don't be misled, read more information on Bankruptcy Law Network. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Is &#8220;Income&#8221; In A Chapter 13?</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/31/what-is-income-in-a-chapter-13/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/31/what-is-income-in-a-chapter-13/#comments</comments>
		<pubDate>Tue, 01 Sep 2009 03:24:55 +0000</pubDate>
		<dc:creator>Karen Oakes, Southern Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Exemptions In Bankruptcy]]></category>
		<category><![CDATA[General Bankruptcy Information]]></category>

		<guid isPermaLink="false">http://www.bankruptcylawnetwork.com/?p=8924</guid>
		<description><![CDATA[Many debtors are surprised to learn that income to the bankruptcy court doesn't just include taxable income.   Income can be defined different ways depending on which section of the bankruptcy code is involved. ]]></description>
		<wfw:commentRss>http://www.bankruptcylawnetwork.com/2009/08/31/what-is-income-in-a-chapter-13/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>ABA v. FTC &#8211; Fighting Over Identity Theft Procedures/Rules</title>
		<link>http://www.bankruptcylawnetwork.com/2009/08/31/aba-v-ftc-fighting-over-identity-theft-proceduresrules/</link>
		<comments>http://www.bankruptcylawnetwork.com/2009/08/31/aba-v-ftc-fighting-over-identity-theft-proceduresrules/#comments</comments>
		<pubDate>Tue, 01 Sep 2009 01:36:32 +0000</pubDate>
		<dc:creator>Karen Oakes, Southern Oregon Bankruptcy Attorney</dc:creator>
				<category><![CDATA[Consumer Credit Issues]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[ABA]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[identity theft]]></category>

		<guid isPermaLink="false">http://www.creditlawnetwork.com/?p=338</guid>
		<description><![CDATA[The American Bar Association has filed a lawsuit in the District Court in the District of Columbia seeking declaratory judgment against the Federal Trade Commission applying the new "Red Flag Rule" to attorneys.   "Red Flag Rules" are supposed to protect consumers against identity theft by ensuring procedures are put in place by creditors to "flag" illegal activity.]]></description>
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